The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$11,360
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,713
−HK$359/mo
Today · 4.125%
HK$12,072
baseline
▲ 0.50% · 4.625%
HK$12,806
+HK$734/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,144/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,637
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,976
−HK$344/mo
Today · 4.125%
HK$13,320
baseline
▲ 0.50% · 4.625%
HK$14,022
+HK$702/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,640/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,631
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,055
−HK$431/mo
Today · 4.125%
HK$14,486
baseline
▲ 0.50% · 4.625%
HK$15,368
+HK$882/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$28,972/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$112,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,165
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,572
−HK$412/mo
Today · 4.125%
HK$15,984
baseline
▲ 0.50% · 4.625%
HK$16,827
+HK$843/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$31,968/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$112,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,903
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,398
−HK$503/mo
Today · 4.125%
HK$16,901
baseline
▲ 0.50% · 4.625%
HK$17,929
+HK$1,028/mo
Deposit HK$1.49M · loan HK$3.49M · min. income ≈ HK$33,802/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,692
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,167
−HK$481/mo
Today · 4.125%
HK$18,648
baseline
▲ 0.50% · 4.625%
HK$19,631
+HK$983/mo
Deposit HK$1.49M · loan HK$3.49M · min. income ≈ HK$37,296/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,447
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,083
−HK$646/mo
Today · 4.125%
HK$21,729
baseline
▲ 0.50% · 4.625%
HK$23,052
+HK$1,323/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$43,458/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,747
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,357
−HK$619/mo
Today · 4.125%
HK$23,976
baseline
▲ 0.50% · 4.625%
HK$25,240
+HK$1,264/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$47,952/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,088 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).